Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
2,091
650
2,741
23.71%
23.88%
2024
2,499
809
3,308
24.46%
23.31%
2023
3,040
995
4,035
24.66%
22.83%
2022
3,217
1,003
4,220
23.77%
23.10%
2021
2,927
901
3,828
23.54%
22.81%
2020
2,436
638
3,074
20.75%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
627
565
1,192
47.40%
49.08%
2024
879
728
1,607
45.30%
47.46%
2023
1,011
784
1,795
43.68%
47.29%
2022
1,077
764
1,841
41.50%
45.44%
2021
902
606
1,508
40.19%
44.40%
2020
741
451
1,192
37.84%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
503
279
782
35.68%
42.44%
2024
572
298
870
34.25%
41.75%
2023
699
322
1,021
31.54%
38.64%
2022
714
312
1,026
30.41%
39.39%
2021
682
420
1,102
38.11%
40.41%
2020
727
891
1,618
55.07%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
184
73
257
28.40%
38.98%
2024
247
91
338
26.92%
39.58%
2023
227
64
291
21.99%
36.96%
2022
277
96
373
25.74%
37.07%
2021
267
118
385
30.65%
39.17%
2020
362
104
466
22.32%
35.42%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
17
18
35
51.43%
13.25%
2024
15
22
37
59.46%
12.32%
2023
21
27
48
56.25%
16.34%
2022
21
28
49
57.14%
11.13%
2021
14
25
39
64.10%
18.93%
2020
11
21
32
65.63%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
204
162
366
44.26%
45.21%
2024
259
183
442
41.40%
45.23%
2023
280
230
510
45.10%
44.64%
2022
280
227
507
44.77%
46.15%
2021
277
189
466
40.56%
46.87%
2020
236
196
432
45.37%
43.90%
Product Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
0
0
0.00%
63.59%
2024
0
0
0
0.00%
63.97%
2023
0
0
0
0.00%
62.55%
2022
0
0
0
0.00%
56.52%
2021
0
0
0
0.00%
62.74%
2020
0
0
0
0.00%
61.51%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
65
27
92
29.35%
34.83%
2024
90
41
131
31.30%
35.33%
2023
107
45
152
29.61%
35.67%
2022
113
56
169
33.14%
37.14%
2021
106
64
170
37.65%
35.46%
2020
79
36
115
31.30%
33.86%